I guess I have to disagree with the consensus. I have never purchased insurance in all the times I have gone. I have however, several times been to a Dominican clinic. If you get hurt, nothing too serious, get away from the resort and go to a clinic. I got cut rather badly one time and need went to the Gregorio Hernandez clinic in Purto Plata. I went to the emergency and recieved great care and 8 stitches. Total cost… 800 pesos. Approx. $24.00 US! Once home I had to go to my primary physician to have the stitches removed. First off my Dr. said they did a really good job, then he took out the stitches patted me on the back and then handed me a bill for $140.00!
Never ask to be taken to a hospital. Unlike here in the states, hospitals are bad and clinics are good.
Allow me to preface. I feel the practiced medicine in the D.R. is quite good, however, I hope I never have a heart attack or something really serious happen to me in the D.R. My Dominican wife had our baby in the D.R. February 17th. 2007. Her entire prenatal care etc. and visits to the Dr. until October 23rd. 2008. Brianna recently got a complete physical here in the states and the Dr. says she was well taken care of and very healthy.
Just as a side note. My wife had a caesarian and was in the clinic for 3 days. We also upgraded to a maternity suite so her mom could stay with her. Total cost including the clinic and the Dr. includiong meals $920.00 Here in the states my understanding is that it would have cost 12 to 14 thousand dollars.
Not saying that you would be wrong in buying the insurance but I prefer to put that money to another use.